ecCreditReply_processorResponse

When this value is

08

, you can accept the transaction if the customer provides you with identification.

The reason code indicates that the request was completed successfully, the reason that the request was declined, or it can provide other information that you can use to determine subsequent action.

China UnionPay

returns one of these values as the reason code:

00
: Approved or completed successfully.
01
: Declined. Contact the issuer.
03
: Declined. Invalid merchant.
04
: Pick up.
China UnionPay
recommends withholding the card.
05
: Declined. Failed cardholder certification.
10
: Partial amount approved.
11
: Approved or completed successfully (VIP customer).
12
: Declined. Invalid transaction.
13
: Declined. Invalid amount.
14
: Declined. Invalid card number.
15
: Declined. No matching issuer.
16
: Approved. Update the third magnetic track.
20
: Declined. Update the QR code.
21
: Declined. Card has not been initialized or it is dormant.
22
: Declined. Operation error or exceeds the number of days allowed for transaction.
25
: Declined. Unable to locate original transaction. Contact the issuer.
30
: Declined due to format error. Retry.
34
: Pick up (fraudulent card).
China UnionPay
recommends withholding the card.
38
: Declined. PIN retry limit exceeded.
40
: Declined. Transaction is not supported.
41
: Pick up (lost card).
China UnionPay
recommends withholding the card.
43
: Pick up (stolen card).
China UnionPay
recommends withholding the card.
45
: Declined. Fallback transaction not allowed.
51
: Declined. Insufficient balance.
54
: Declined. Expired card.
55
: Declined. Incorrect PIN.
57
: Declined. Transaction is not allowed on the card.
58
: Declined. Transaction is not allowed by the issuer.
59
: Declined. Suspected fraud.
61
: Declined. Transaction amount exceeds limit.
62
: Declined. Restricted card.
64
: Declined. Transaction amount does not match original transaction amount.
65
: Declined. Transaction exceeds the limited times of withdrawal.
68
: Declined. Issuer response time-out. Retry later.
75
: Declined. Number of PIN tries exceeds the limit.
90
: Declined. Daily cutoff is in progress. Retry later.
91
: Declined. Issuer status is abnormal. Retry later.
92
: Declined. Connectivity of issuer is abnormal. Retry later.
94
: Declined. Duplicate transaction.
96
: Declined. Switch system malfunction. Retry later.
97
: Declined. Unregistered terminal number.
98
: Declined. Issuer response time-out.
99
: Declined. Error in PIN format. Retry sign-in.
A0
: Declined. Error in MAC verification. Retry sign-in.
A2
: Approved. Transaction successful with defect. Confirm with transfer-in bank.
A3
: Declined. Transfer recipient's account not found.
A4
: Approved. Transaction successful with defect. Confirm with transfer-in bank.
A5
: Approved. Transaction successful with defect. Confirm with transfer-in bank.
A6
: Approved. Transaction successful with defect. Confirm with transfer-in bank.
A7
: Security processing failure.
B1
: Declined. Transaction receipt not printed.
C1
: Declined. Illegal status of acquirer.
D1
: Incorrect institution identification code.
D2
: Data error.
D3
: Invalid file type.
D4
: File Processed.
D5
: File not found.
D6
: Transaction not supported by recipient.
D7
: File locked.
D8
: Unsuccessful.
D9
: Incorrect file length.
DA
: File decompression error.
DB
: File name error.
DC
: File cannot be received.
F1
: File record format error.
F2
: File record repeated.
F3
: File record does not exist.
F4
: File record error.
N1
: Declined. Unregistered account exceeds transaction limit.
N2
: Declined. Transaction amount exceeds balance.
P1
: Declined. Contact phone number not found.
Y1
: Approved.
Y3
: Approved.
Z1
: Declined.
Z3
: Declined.
1A
: Declined. Additional customer authentication is required.

This value is the status code and the error or response code received from the processor separated by a colon.

Format: [status code]:E[error code] or [status code]:R[response code]

Example:

2:R06

Processor-defined detail error code. The associated response category code is in the

additionalProcessorResponse

Simple Order

API field.

The response code value

Z5

(valid account, but amount is not supported) is returned when the anticipated amount mentioned in the transaction exceeds the account limit or available funds.

The response code value

70

(PIN data required) is possible in these countries only when the PIN data is not included in domestic card-present transactions:

The response code value

1A

(additional customer authentication required) is possible only in these countries when Strong Customer Authentication (SCA_ is requested for an e-commerce or card-present transaction:

These response codes are available only for Mastercard on the

Visa Platform Connect

processor.

Mastercard declined authorizations:

If an authorization is declined for a point-of-sale transaction, Mastercard returns a combined response code and decline reason code. The codes are added to the authorization response in this field:

Record: Field 104
Dataset ID: 65
Tag: 48

The

response code

can be one of these values:

51
: Insufficient funds
79
: Life cycle
82
: Policy
83
: Fraud or security

The

decline reason code

indicates the reason that the authorization was declined, or it can provide other information that you can use to determine subsequent action. Mastercard returns a decline reason code in the

ccAuthReply_merchantAdviceCode

Simple Order

API field.